InsureWatch

12059

Elevated44

Voorheesville, New York — Albany County

Pop. 1,417Median Income $97,692Median Home $289,600
0/ 100Elevated Risk

2025 Estimated Premium

$1,398/yr

+12.1% from 2022 actual ($1,247)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,247

+0.3%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

1.9%

Avg Claim Amount

$11,764

Score Breakdown

Premium Level (25%)27
Premium Trend (20%)52
Nonrenewal Risk (20%)50
Storm Exposure (15%)87
Affordability (10%)8
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201852 events
Property damage$11,000
7 hail13 flood
19
201950 events
Property damage$371,000
6 hail6 flood
20
202062 events
Property damage$7,514,000
5 hail10 flood
21
202131 events
Property damage$30,000
2 hail9 flood
22
202235 events
Property damage$1,000
9 flood
23
202329 events
Property damage$57,000
2 hail17 flood
24
202447 events
Property damage$198,000
2 hail16 flood
25
20259 events
Property damage$162,000
6 flood

Nearby ZIP Codes

12186Voorheesville, NY
32Moderate
12009Altamont, NY
32Moderate
12193Greenville, NY
36Moderate
12023Mariaville Lake, NY
36Moderate
12041Voorheesville, NY
42Elevated

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.